Search found 508 matches

by segfault
Wed May 13, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Termites - Bait (Sentricon) vs Liquid (Termidor)
Replies: 17
Views: 861

Re: Termites - Bait (Sentricon) vs Liquid (Termidor)

I found termite tubes at my old house and decided on a Termidor treatment. At the time, I think Termidor was said to be good for five years, but there were a lot of people saying they had it applied ten years ago and were still termite-free. I lived in the house for several more years and never saw ...
by segfault
Fri May 08, 2020 5:20 pm
Forum: Personal Investments
Topic: Rental Property - Exit Plan!
Replies: 30
Views: 3344

Re: Rental Property - Exit Plan!

That's a pretty terrible cashflow for a leveraged rental. I'd look into a tax free exchange. I'm not certain of the rules, but $300k+ should buy you a very nice multifamily property, or a couple of single family residences, in flyover country (or more than that if you use leverage), and they will ca...
by segfault
Sun May 03, 2020 3:06 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 11840

Re: Berkshire Hathaway is hammered

Perhaps Berkshire should follow Mr. Buffett’s advice to the trustees of his wife’s assets, and just invest in an institutional S&P500 fund plus cash: It's part of the way they operate that they prefer to have cash on hand for acquisitions rather than being subject to finding an opportunity to acqui...
by segfault
Sun May 03, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3914

Re: Lawnmower recommendation

I mow about a quarter of an acre with a non-self-propelled push mower. The first cheapo from Lowe's lasted four years with annual oil changes. The last season, I think I overfilled the oil and ran it all season that way. It was puffing blue smoke on startup. Wouldn't start last year. I bought anothe...
by segfault
Sat May 02, 2020 11:29 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway is hammered
Replies: 60
Views: 11840

Re: Berkshire Hathaway is hammered

The headlines around this are ridiculous. Because of a new accounting rule, Berkshire (and all other companies) have to mark to market their securities and have that amount hit their income statement. Note that they did not lose $50bn cash and they actually had 6% operating margin growth. :annoyed ...
by segfault
Sat May 02, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 49
Views: 3766

Re: Berkshire Hathaway Annual Shareholder meeting

Thanks to you people watching via YouTube for describing your experiences... I'm watching on Yahoo and don't have the ability to fast forward, rewind, and if I pause it appears to restart in real time rather than buffering what I missed. I will probably switch to YouTube next time I need to pause!
by segfault
Sat May 02, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 49
Views: 3766

Re: Berkshire Hathaway Annual Shareholder meeting

I'm disappointed there is no Annual Meeting Movie. I'm sure it was already filmed prior to them cancelling... Perhaps next year they will play both years' movies back to back.
by segfault
Sat May 02, 2020 5:46 pm
Forum: Investing - Theory, News & General
Topic: [Berkshire Hathaway Annual Shareholder meeting]
Replies: 49
Views: 3766

Re: Berkshire Hathaway Annual Shareholder meeting

New Providence wrote:
Sat May 02, 2020 4:26 pm
Any comments about Buffett's speech so far?
"I did poorly in Biology, I don't know anything about the coronavirus..." [talks about coronavirus for 15 minutes]
by segfault
Sat May 02, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: [interested in purchasing] Berkshire Hathaway annual meeting swag
Replies: 5
Views: 811

Re: Berkshire Hathaway annual meeting swag

I’m especially sad that Munger won’t take questions. Same. He was in a wheelchair last year. I think he gave an interview recently, but I haven't watched it. I would think they could have easily conferenced him in via video chat... Just have Warren wait a second or two for him to say "I have nothin...
by segfault
Thu Apr 30, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: [interested in purchasing] Berkshire Hathaway annual meeting swag
Replies: 5
Views: 811

[interested in purchasing] Berkshire Hathaway annual meeting swag

I know there are several other BRK shareholders here. I have attended the Annual Meeting several times, and planned to do so again this year, but unfortunately that isn't going to happen for myself or any other shareholder. I've usually picked up a few branded items from the shareholder shopping are...
by segfault
Sat Mar 14, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett To Hold Annual Berkshire Hathaway Meeting Without Shareholders
Replies: 2
Views: 301

Warren Buffett To Hold Annual Berkshire Hathaway Meeting Without Shareholders

https://www.forbes.com/sites/cartercoudriet/2020/03/13/warren-buffett-to-hold-annual-meeting-without-shareholders-due-to-coronavirus/#65221289627d I try to go every year and I had booked my Omaha area hotel for the night before almost a year in advance. Maybe next year. It would also be a nice touch...
by segfault
Tue Nov 19, 2019 11:16 am
Forum: Personal Investments
Topic: ADP Totalsource to reopen Vanguard Balanced Index 12/30
Replies: 2
Views: 367

Re: ADP Totalsource to reopen Vanguard Balanced Index 12/30

With a 0.3% difference in fees, if I were you, I would NOT invest in the Voya Target Date fund. Yes, Vanguard Balanced Index fund is an excellent fund to invest in. But you have other funds at equal expense ratio, that you can use to craft a 3-fund portfolio. I prefer "funds of funds" for simplicit...
by segfault
Mon Nov 18, 2019 4:11 pm
Forum: Personal Investments
Topic: ADP Totalsource to reopen Vanguard Balanced Index 12/30
Replies: 2
Views: 367

ADP Totalsource to reopen Vanguard Balanced Index 12/30

I've seen the same investment choices in other posts here and assume there are others who have employer 401k through ADP Totalsource. I received a mailing today, which I am guessing applies to other Totalsource users, that they are reopening access to the Vanguard Balanced Index Fund on December 30....
by segfault
Tue Oct 29, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12841

Re: Uber VISA rewards cut

I used it for dining as well as the $50 subscription benefit. I usually open both Uber and Lyft apps and usually end up riding Lyft because it's cheaper. I spend maybe $100 a year with Uber, so I'll probably continue using the card after February, but will cash out my points while I still can, and t...
by segfault
Thu Aug 29, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Vehicle idle stop-start when parking
Replies: 54
Views: 4312

Re: Vehicle idle stop-start when parking

It's a safety feature. It restarts the engine in park so you won't exit the vehicle, not hear the engine because it's not running, and then have it automatically restart after 60 seconds or whatever the maximum idle stop time is. You could have parked the car in an enclosed garage and have this happ...
by segfault
Wed Aug 07, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?
Replies: 15
Views: 1360

Re: Is "termite-proofing" your house (absent termites) an unnecessary form of insurance?

When I had termites at my old house, I did the research and decided to get it treated with Termidor rather than the bait stations. From my memory, the pest control company offered a 5 year warranty if you paid something like $100/year for inspections. From the research I did, the only reason that wo...
by segfault
Mon Aug 05, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2767

Re: 2012 Infinity G37 Sedan maintenance costs

TheOscarGuy and Afty, I had both a 2002 and 2009 Altima, both with the 2.5 liter four cylinder. The 2002 had an awful interior, but was otherwise a great car to drive. The 2009 had the much-maligned CVT, but neither let me down. I also had a 2011 Murano, which also had zero repair issues other than ...
by segfault
Sun Jul 21, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2767

Re: 2012 Infinity G37 Sedan maintenance costs

TheOscarGuy wrote:
Sun Jul 21, 2019 6:09 am
From reading these posts about Infiniti G37, it sounds like a boglehead car!
Agreed! Very affordable to buy used, very enjoyable to drive... You'll never get 30 MPG on the highway, but you have to live a little, every now and then! :sharebeer
by segfault
Sun Jul 21, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: 2012 Infinity G37 Sedan maintenance costs
Replies: 24
Views: 2767

Re: 2012 Infinity G37 Sedan maintenance costs

I bought a used 2012 G37 with about 72k miles about a year ago. It replaced a 2011 Ford Mustang GT, which I loved, but proved to be uncomfortable for long trips. I'm extremely picky about my vehicles and will generally try to fix anything that seems off. The Mustang and the G37 were both automatics....
by segfault
Tue May 14, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream Replay
Replies: 12
Views: 1843

Re: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream Replay

Munger interview with Becky Quick after the Daily Journal annual meeting: https://www.youtube.com/watch?v=SmLiD9hF-4o I paid no attention to whether he was in a wheelchair or not at the BRK annual meeting, but he very obviously is here. He's still very bright, but it seemed like she asked a lot of s...
by segfault
Tue May 14, 2019 7:58 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream Replay
Replies: 12
Views: 1843

Re: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream

That's a wrap - I'm looking forward to the Apple and Amazon booths in 2020. :sharebeer That would be interesting... Both companies seem to be relatively averse to offering special discounts beyond what the general public can obtain. I think Nebraska Furniture Mart had a Google Home Mini on "sale" l...
by segfault
Tue May 14, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6618

Re: I accidentally retired, and need tax advice

Second the idea to turn off dividend reinvestment.
by segfault
Sun May 05, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 6842

Re: Berkshire buying stake in Amazon - my opinion

In terms of the valuation of Amazon, "I have nothing to add." Amazon is more than just an online retailer. They offer Amazon Web Services to the enterprise, they are a content provider, content creator, etc. Someone who has a Prime membership and even a couple of Amazon devices is likely to regularl...
by segfault
Sat May 04, 2019 10:46 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream Replay
Replies: 12
Views: 1843

Re: Berkshire Hathaway 2019 Annual Shareholders Meeting, Live Stream Replay

The only thing missing was the annual movie, which unfortunately, is one of the best parts. This year, it was a little short on new content besides the usual advertisements for subsidiary companies, but the big announcement was hilarious. Buffett hustled off to a top secret R&D area inside Apple's n...
by segfault
Sun Apr 21, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 3117

Re: Apple MacBook Air - what to do next.

I would lose a part of my life if I lost my 2013 Macbook Air. The new ones don't have ports I want, and the keyboard would be absolutely TERRIBLE. These models should be worth more than the new ones. I would definitely replace the battery. They are still selling last year's model, with a MagSafe ch...
by segfault
Sat Apr 20, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 3117

Re: Apple MacBook Air - what to do next.

That was the case for old computers, really old computers. Doesn't apply anymore. Keep it plugged in to prolong battery life and lifespan. https://www.apple.com/batteries/maximizing-performance/ Yup. Really old laptops (and other portable electronics, power tools, etc.) used NiCad batteries, and th...
by segfault
Sat Apr 20, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 2406

Re: OnStar Plans: Are they worth the cost?

I have it on my truck. The automatic crash notification is a valuable feature (but I also own another non-GM car that doesn't have Onstar or any other connectivity service, and don't lose sleep over it). I really like the monthly emailed diagnostic reports, which will remind you of the remaining oil...
by segfault
Sat Apr 20, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: .
Replies: 73
Views: 4988

Re: Washing Machine that uses a LOT of Water

I have a Samsung front loader and don't have the complaints a lot of people seem to be having, but it's rare that my clothes get super dirty. Maybe try a used appliance store?
by segfault
Sat Apr 20, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 3117

Re: Apple MacBook Air - what to do next.

Maybe buy a spare power adapter if that would make it easier to keep plugged in more often. Deep discharges are bad, but IMO, the absolute worst thing you can do is to drain the battery to 0 and let it sit for a long period of time before recharging. There is an app called coconutBattery that will s...
by segfault
Sat Mar 16, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Funding emergency home repair
Replies: 28
Views: 1929

Re: Funding emergency home repair

Emergency fund or HELOC. You can probably find a local bank that will write a HELOC at 100% LTV.
by segfault
Mon Feb 25, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3943

Re: Personal Liability Umbrella Policy question & "tuning"

I would go for the $2 million. I'm actually that rare person that had my $1 million umbrella policy pay out to the max and it wasn't an extreme circumstance at all. My wife barely sideswiped a pedestrian who was getting out of their car into a lane of traffic on a blind corner. The pedestrian ended...
by segfault
Mon Feb 25, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Liability Umbrella Policy question & "tuning"
Replies: 47
Views: 3943

Re: Personal Liability Umbrella Policy question & "tuning"

The limit on an Umbrella Policy (very importantly, in my opinion) drives how much the insurance company will spend on attorney/legal fees to fight a lawsuit. In a way, yes. If the limit is low and the cost of defense is extremely high, they may be more apt to pay out policy limits and get a release...
by segfault
Wed Feb 20, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: purchasing new furnace tips
Replies: 35
Views: 2076

Re: purchasing new furnace tips

Buy whatever brand furnace the best installer sells. I’d recommend a 95% effecient one. Do the asbestos mitigation sooner rather than later—it shouldn’t be that expensive and will make the house easier to sell when the time comes.
by segfault
Wed Feb 20, 2019 6:49 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4499

Re: Do you discuss BH philosophy with others?

I’ve explained to a coworker on a couple of occasions that I use mostly target date funds and their response is always “well, you’re young.” Obviously, when I get old, I need to bet the farm on one or two individual stocks!
by segfault
Wed Feb 13, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Car rental drop-off fees
Replies: 18
Views: 1902

Re: Car rental drop-off fees

Compare prices from different rental car companies with various discounts/coupon codes using autoslash.com. This. This summer, I used Autoslash to rent a Jeep Cherokee in Salt Lake City and dropped it off in Las Vegas, and it was one of the cheapest rentals I've ever had. Leather seats, too! :wink:
by segfault
Wed Feb 13, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Mags for Miles Auto Renewal
Replies: 10
Views: 1335

Re: Mags for Miles Auto Renewal

In theory, they could be able to auto renew you, and send the delinquent account to collections if your card is declined. I think this is what SiriusXM does.
by segfault
Sun Feb 10, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 4270

Re: Satellite radio pricing ridiculousness

My willingness to pay for satellite radio greatly diminished during the free trial. I had no idea they had commercials! I am not willing to pay for them shoving crap over the airwaves. If they got rid of ads perhaps I would consider. IIRC, only a few channels have commercials - it was part of their...
by segfault
Sun Feb 10, 2019 6:07 pm
Forum: Personal Investments
Topic: Windfall advice
Replies: 8
Views: 965

Re: Windfall advice

We both have teacher retirement from a previous state with about $15,000 each. We plan to roll these over into Roth IRA or Traditional IRAs?? Hold that thought. Would you receive an additional monthly pension at retirement age if you just let that sit? Or can you use it to purchase months of servic...
by segfault
Sat Feb 09, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 4270

Re: Satellite radio pricing ridiculousness

I use Billfixers, but they charge 50% of the savings they are able to negotiate. I used to have a perpetual "XM Basic" plan that was like $6 plus tax, but I didn't like it because it didn't include the Frank Sinatra channel.
by segfault
Thu Feb 07, 2019 10:59 pm
Forum: Personal Investments
Topic: What’s the Best HSA out there?
Replies: 17
Views: 2442

Re: What’s the Best HSA out there?

The Optum HSA I have through my employer charges $1/month maintenance fee, minimum $2,000 in the savings account, and offers Schwab target date funds on the investment side, with no asset fee. I moved all of my old HSAs there.
by segfault
Thu Feb 07, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 162
Views: 13668

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Dog walker or someone in the neighborhood who is retired / works from home. I'd possibly consider a doggie door, depending on your dog's temperament - what would happen, for instance, if someone accidentally left the gate open? I couldn't take that risk with my dog, as she is extremely dog reactive,...
by segfault
Thu Feb 07, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 4055

Re: Auto Battery Prices

No installation = no deal. My truck is labeled "difficult - 45 minute installation," so I took it to Autozone because they offer free installation. Bought a premium AGM battery for about $200, and the employee complained very vocally about the time it took to install. Note, once I realized the batte...
by segfault
Sat Jan 26, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1913

Re: Wills- Options other than family/charities?

I was talking to Vanguard about this recently in regards to Inherited IRAs. One place you CAN'T leave your tax-deferred accounts to is foreign charities that are not recognized by the IRS (ie, have an EIN or other identifying number). [This came up for me because I have a relative who wants to leav...
by segfault
Fri Jan 25, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 10613

Re: Need Advice - quit 6-figure job to do coding school?

Do not quit a $250k job! Learn coding on your own time (or even during your downtime at work), or get a part time master’s degree. I’d stay at the current job until you have been consistently unhappy there for 6-12 months. Sometimes things do get better.
by segfault
Thu Jan 24, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance check issued, cashed then cancelled?
Replies: 14
Views: 1056

Re: Auto insurance check issued, cashed then cancelled?

I'd also file a formal with my state insurance dept. Might as well include the state banking dept as well. Stopping payment on a check three weeks after issuance should not be allowed under normal circumstances. This. I’ve never heard of such thing happening. If you issue a check, you’re on the hoo...
by segfault
Thu Jan 24, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6238

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

I don’t have kids, so not super qualified to comment, but what about training the kid to be resilient and endure the cold during the unfavorable months?
by segfault
Sat Jan 19, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Looking to buy 2004 BMW - with steptronic
Replies: 6
Views: 644

Re: Looking to buy 2004 BMW - with steptronic

IMO, most 2004 BMWs are nearing the end of their natural life expectancy. The cooling systems on that model year tend to have significant issues, and I know thrust arm bushings were an issue on the 5-series, but not sure if the 3-series shared the same issues.
by segfault
Sat Jan 19, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1913

Re: Wills- Options other than family/charities?

You can leave your estate outright or in trust to just about any person or entity, perhaps excluding bequests for illegal purposes or those against public policy. Gill I think OP knows this, but is brainstorming ideas insofar as whom those persons or entities might be. This is a question I've ponde...
by segfault
Thu Dec 20, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: London Neighborhood Recommendation
Replies: 37
Views: 2963

Re: London Neighborhood Recommendation

I stayed at the Nadler Victoria (in the Victoria neighborhood) this year and found it to be ideal.